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agilon health, inc.（AGL）与Cincinnati Financial（CINF）财务数据对比。点击上方公司名可切换其他公司
Cincinnati Financial的季度营收约是agilon health, inc.的1.8倍（$2.8B vs $1.6B），Cincinnati Financial净利率更高（9.6% vs -12.0%，领先21.6%），agilon health, inc.同比增速更快（3.1% vs -1.7%），过去两年Cincinnati Financial的营收复合增速更高（5.2% vs -1.1%）
agilon health是一家美国医疗保健企业，主要与基层医疗服务提供者合作，为联邦医疗保险覆盖的老年群体提供价值导向型医疗解决方案，为医生提供行政支持、临床工具及风险管理框架，在提升诊疗效果的同时降低医疗成本，业务覆盖美国20余个州。
辛辛那提金融公司主营财产与意外伤害保险，通过旗下辛辛那提保险公司、辛辛那提赔偿公司及辛辛那提意外伤害保险公司运营核心业务。目前该公司在美国国内财险保费市场占比达1.01%，按市场份额计算位列美国第20大保险公司。
AGL vs CINF — 直观对比
营收规模更大
CINF
是对方的1.8倍
$1.6B
营收增速更快
AGL
高出4.8%
-1.7%
净利率更高
CINF
高出21.6%
-12.0%
两年增速更快
CINF
近两年复合增速
-1.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.6B | $2.8B |
| 净利润 | $-188.9M | $274.0M |
| 毛利率 | — | — |
| 营业利润率 | -12.3% | — |
| 净利率 | -12.0% | 9.6% |
| 营收同比 | 3.1% | -1.7% |
| 净利润同比 | -78.5% | 404.4% |
| 每股收益（稀释后） | — | — |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AGLCINF
| Q1 26 | — | $2.8B | ||
| Q4 25 | $1.6B | $3.1B | ||
| Q3 25 | $1.4B | $3.7B | ||
| Q2 25 | $1.4B | $3.2B | ||
| Q1 25 | $1.5B | $2.6B | ||
| Q4 24 | $1.5B | $2.5B | ||
| Q3 24 | $1.5B | $3.3B | ||
| Q2 24 | $1.5B | $2.5B |
净利润AGLCINF
| Q1 26 | — | $274.0M | ||
| Q4 25 | $-188.9M | $676.0M | ||
| Q3 25 | $-110.2M | $1.1B | ||
| Q2 25 | $-104.4M | $685.0M | ||
| Q1 25 | $12.1M | $-90.0M | ||
| Q4 24 | $-105.8M | $405.0M | ||
| Q3 24 | $-117.6M | $820.0M | ||
| Q2 24 | $-30.7M | $312.0M |
营业利润率AGLCINF
| Q1 26 | — | — | ||
| Q4 25 | -12.3% | 27.2% | ||
| Q3 25 | -9.1% | 37.9% | ||
| Q2 25 | -8.3% | 26.3% | ||
| Q1 25 | -1.4% | -5.0% | ||
| Q4 24 | -7.1% | 18.9% | ||
| Q3 24 | -9.2% | 31.3% | ||
| Q2 24 | -2.9% | 15.2% |
净利率AGLCINF
| Q1 26 | — | 9.6% | ||
| Q4 25 | -12.0% | 21.9% | ||
| Q3 25 | -7.7% | 30.1% | ||
| Q2 25 | -7.5% | 21.1% | ||
| Q1 25 | 0.8% | -3.5% | ||
| Q4 24 | -6.9% | 16.0% | ||
| Q3 24 | -8.1% | 24.7% | ||
| Q2 24 | -2.1% | 12.3% |
每股收益（稀释后）AGLCINF
| Q1 26 | — | — | ||
| Q4 25 | — | $4.29 | ||
| Q3 25 | — | $7.11 | ||
| Q2 25 | — | $4.34 | ||
| Q1 25 | — | $-0.57 | ||
| Q4 24 | — | $2.57 | ||
| Q3 24 | — | $5.20 | ||
| Q2 24 | — | $1.98 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $173.7M | $1.2B |
| 总债务越低越好 | $35.0M | $816.0M |
| 股东权益账面价值 | $126.7M | $15.7B |
| 总资产 | $1.3B | $41.2B |
| 负债/权益比越低杠杆越低 | 0.28× | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资AGLCINF
| Q1 26 | — | $1.2B | ||
| Q4 25 | $173.7M | $148.0M | ||
| Q3 25 | $171.7M | $1.6B | ||
| Q2 25 | $171.4M | $1.1B | ||
| Q1 25 | $136.9M | $1.1B | ||
| Q4 24 | $188.2M | $1.3B | ||
| Q3 24 | $148.2M | $1.8B | ||
| Q2 24 | $109.5M | $771.0M |
总债务AGLCINF
| Q1 26 | — | $816.0M | ||
| Q4 25 | $35.0M | $861.0M | ||
| Q3 25 | — | $858.0M | ||
| Q2 25 | — | $859.0M | ||
| Q1 25 | — | $853.0M | ||
| Q4 24 | — | $850.0M | ||
| Q3 24 | — | $849.0M | ||
| Q2 24 | — | $849.0M |
股东权益AGLCINF
| Q1 26 | — | $15.7B | ||
| Q4 25 | $126.7M | $15.9B | ||
| Q3 25 | $306.1M | $15.4B | ||
| Q2 25 | $408.9M | $14.3B | ||
| Q1 25 | $500.3M | $13.7B | ||
| Q4 24 | $471.0M | $13.9B | ||
| Q3 24 | $574.9M | $13.8B | ||
| Q2 24 | $676.6M | $12.8B |
总资产AGLCINF
| Q1 26 | — | $41.2B | ||
| Q4 25 | $1.3B | $41.0B | ||
| Q3 25 | $1.6B | $40.6B | ||
| Q2 25 | $1.7B | $38.8B | ||
| Q1 25 | $1.9B | $37.3B | ||
| Q4 24 | $1.7B | $36.5B | ||
| Q3 24 | $2.1B | $37.0B | ||
| Q2 24 | $2.2B | $34.8B |
负债/权益比AGLCINF
| Q1 26 | — | 0.05× | ||
| Q4 25 | 0.28× | 0.05× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.06× | ||
| Q4 24 | — | 0.06× | ||
| Q3 24 | — | 0.06× | ||
| Q2 24 | — | 0.07× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $-20.5M | — |
| 自由现金流经营现金流 - 资本支出 | $-23.5M | — |
| 自由现金流率自由现金流/营收 | -1.5% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $-119.0M | — |
8季度趋势，按日历期对齐
经营现金流AGLCINF
| Q1 26 | — | — | ||
| Q4 25 | $-20.5M | $947.0M | ||
| Q3 25 | $-18.2M | $1.1B | ||
| Q2 25 | $-35.1M | $741.0M | ||
| Q1 25 | $-32.0M | $310.0M | ||
| Q4 24 | $16.4M | $642.0M | ||
| Q3 24 | $-7.7M | $912.0M | ||
| Q2 24 | $-18.7M | $742.0M |
自由现金流AGLCINF
| Q1 26 | — | — | ||
| Q4 25 | $-23.5M | $939.0M | ||
| Q3 25 | $-21.3M | $1.1B | ||
| Q2 25 | $-38.3M | $737.0M | ||
| Q1 25 | $-35.8M | $307.0M | ||
| Q4 24 | $13.2M | $638.0M | ||
| Q3 24 | $-11.2M | $906.0M | ||
| Q2 24 | $-22.0M | $737.0M |
自由现金流率AGLCINF
| Q1 26 | — | — | ||
| Q4 25 | -1.5% | 30.4% | ||
| Q3 25 | -1.5% | 29.8% | ||
| Q2 25 | -2.7% | 22.7% | ||
| Q1 25 | -2.3% | 12.0% | ||
| Q4 24 | 0.9% | 25.1% | ||
| Q3 24 | -0.8% | 27.3% | ||
| Q2 24 | -1.5% | 29.0% |
资本支出强度AGLCINF
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | 0.3% | ||
| Q3 25 | 0.2% | 0.1% | ||
| Q2 25 | 0.2% | 0.1% | ||
| Q1 25 | 0.3% | 0.1% | ||
| Q4 24 | 0.2% | 0.2% | ||
| Q3 24 | 0.2% | 0.2% | ||
| Q2 24 | 0.2% | 0.2% |
现金转化率AGLCINF
| Q1 26 | — | — | ||
| Q4 25 | — | 1.40× | ||
| Q3 25 | — | 0.99× | ||
| Q2 25 | — | 1.08× | ||
| Q1 25 | -2.64× | — | ||
| Q4 24 | — | 1.59× | ||
| Q3 24 | — | 1.11× | ||
| Q2 24 | — | 2.38× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AGL
| Medical Services | $1.6B | 100% |
| Other Operating | $2.5M | 0% |
CINF
| Property casualty | $2.6B | 93% |
| Life | $105.0M | 4% |
| Other | $92.0M | 3% |
| Fee revenues | $1.0M | 0% |
